Grace Clock

Grace Clock is a private, offline planner for people juggling bills, loan installments, and short-term obligations. Everything is written down where you already have it — on your own phone — with no account, no server, and no one else able to see it. WHY GRACE CLOCK Missed a due date because it lived in three different apps, a notebook, and your memory? Grace Clock puts every obligation, promise, and payment in one place, with a clear picture of what's due, what's overdue, and how much breathing room you actually have this month. KEY FEATURES • Obligations tracker — log every bill, installment, or debt with amount, due date, and status (active, overdue, paid, closed, disputed). • Home dashboard — see your stress level and daily payment capacity at a glance, based on your income day and self-set daily limit. • Risk Review — a simple score that flags when your near-term obligations are getting ahead of your income, so you can act before it's urgent. • Action Plan — turn "I need to sort this out" into concrete local steps with internal deadlines and completion tracking. • Event Journal — record calls, messages, promises, and delay reasons tied to any obligation, with an optional receipt photo attached from your camera. • Pause Calendar — see which days are overloaded with payments before you commit to a new one. • Local reminders — optional on-device notifications for internal dates you set yourself. Nothing is scheduled or sent from a server. • Export summary — copy a plain-text summary of your obligations to the clipboard whenever you need to share or archive it yourself. PRIVACY BY DESIGN Grace Clock does not create accounts, does not perform background network sync, and does not connect to any credit, lending, or collections service. Settings, obligations, events, plans, and thresholds are stored only on your device. Receipt photos you attach are kept as local files — never uploaded anywhere. You are always in control of your own data. WHO IT'S FOR Anyone who wants a calm, factual view of their short-term financial commitments — freelancers tracking client payments, people managing installment plans, or anyone who just wants their due dates in one honest place instead of scattered across apps and sticky notes. Grace Clock does not provide financial, legal, or credit advice, and it is not a lender or collections tool. It is a personal organizer for the obligations you already have.